Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan... by gungunkrishu

View this thread on: hive.blog | peakd.com | ecency.com

hive-167922 · @gungunkrishu · Jan 26 '23 (edited)

$14.87

Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan...

Hey All,

![image.png](https://images.hive.blog/DQmTZnaUwyvqUbewTNLdoAWPMwryF8bQ4hhTrMkerU8sW99/image.png)

I messed up real time by touching my 12K+ $HBD in Savings which was giving me sweet 20% APR. But what did I do with all the 12K+ $HBD? Simply put I bought different coin like $RUNE, $AVA, $WAXP, invested in Splinterlands license node, powered up some $HIVE and also invested in other blockchains like Cosmos, Akash Network etc.. and my bad that it didn't turn out to be a good decision to touch the $HBD in savings. Frankly speaking I thought of taking advantage during the Stock and Crypto Market crash during May 2022. And thought would buy back $HBD once I receive immediate gains. Speaking of gains nothing happened and the entire investment turned into losses and I could not get that 12K+ $HBD back to my savings.. This was the hardest lesson that I have learned in my entire crypto journey..don't ever touch your earnings which is giving you a decent return and 20% APR is not at all bad. I got greedy thinking to be rich fast enough and messed up entirely a good chunk of money earned...

### My Current $HBD Savings Status

![image.png](https://images.hive.blog/DQmQAQNqY8TgqsrsVwzvE5Xf63UQz2Z11RXf1R3rvfEUW86/image.png)

See now I am back to square zero, with just 235+ $HBD in savings. But then this is not the end of the world. I am going to build again and this time not going to touch the $HBD savings account no matter what the financial or crypto market situation is. Crypto Investment has a Potential to Self Grow & investing in $HBD savings is one of the best ways to have your crypto investment grow exponentially. What are your thoughts on Crypto investment having the potential to self grow exponentially? I thought it would be wise to start building again and now HOLD onto the $HBD for a long term. 

### My $HBD Savings Accumulation Plan

|Month|$HBD Savings|Monthly|
|-|-|-|
|Jan|230|250|
|Feb|550|300|
|Mar|850|300|
|Arl|1150|300|
|May|1450|300|
|June|1750|300|
|July|2050|300|
|Aug|2350|300|
|Sep|2650|300|
|Oct|2950|300|
|Nov|3250|300|
|Dec|3550|300|
|**Total $HBD in Savings by 2023 - 3550+**|


With that in mind, I have draft a plan to get to a point of having at least 5K+ $HBD in saving by the end of this year. Adding 300 to $HBD in saving every month will bring my total to 3350+ $HBD and I will not reach my target of 5K+ $HBD. The plan is to have a stretch GOAL and leverage passive income resources to add up to the $HBD savings account as the opportunity strikes. And incase in between my investment in $RUNE and other blockchains associated crypto coins/tokens rises then I would be converting them  into $HBD as well. But definitely, I am targeting and determined to get at least $5k+ in $HBD savings by the end of this year, 2023... hoping for a brighter future ahead... crypto is the way out.. cheers

### Crypto Investment has a Potential to Self Grow...

#hbd #hive #hbdsavings #apr #investment #strategy

![image.png](https://images.hive.blog/DQmXS1XBd14UFJtVTmZp4CDQwoVawgyoMUPZSJ1NMaGcEsT/image.png)

Best Regards
Image Credits:: peakd

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@gungunkrishu/lessons-learned-the-hard-way-and-now-building-again-my-usdhbd-savings-again-ground-up-with-a-solid-plan)

👍 sanjeevm, ecency, magicmonk, slobberchops, mangos, hiveupme, dwayne16, steemychicken1, claudio83, nainaztengra, kryptodenno, arcange, alokkumar121, moeenali, deepu7, clixmoney, bitcoinflood, russia-btc, jaster, notak, nateaguila, lichtblick, solairitas, rima11, crypt-skip, chetanpadliya, bozz, listnerds, fengchao, onepercentbetter, ukulima, marianaemilia, good-karma, onealfa.leo, priyanarc, daan, smartvote, steemitboard, dcityrewards, solairibot, therealyme, dcrops, cute-cactus, nickelbunker, votebetting, pardinus, votehero, exyle, eturnerx, tobetada, someguy123, felander, esteemapp, hivebuzz, netaterra, aswita, theguru.photos, benedict08, voter000, tomiscurious, nazrul70, korver, sanjeev021, ali-h, and 106 others

`author`	gungunkrishu
`permlink`	lessons-learned-the-hard-way-and-now-building-again-my-usdhbd-savings-again-ground-up-with-a-solid-plan
`category`	hive-167922
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["hbd","hive","hbdsavings","hodl","build","ctp","archon","posh","leofinance"],"canonical_url":"https://leofinance.io/@gungunkrishu/lessons-learned-the-hard-way-and-now-building-again-my-usdhbd-savings-again-ground-up-with-a-solid-plan","links":["https://leofinance.io/@gungunkrishu/lessons-learned-the-hard-way-and-now-building-again-my-usdhbd-savings-again-ground-up-with-a-solid-plan"],"image":["https://images.hive.blog/DQmTZnaUwyvqUbewTNLdoAWPMwryF8bQ4hhTrMkerU8sW99/image.png","https://images.hive.blog/DQmQAQNqY8TgqsrsVwzvE5Xf63UQz2Z11RXf1R3rvfEUW86/image.png","https://images.hive.blog/DQmXS1XBd14UFJtVTmZp4CDQwoVawgyoMUPZSJ1NMaGcEsT/image.png"]}
`created`	2023-01-26 09:29:51
`last_update`	2023-01-26 09:52:57
`depth`	0
`children`	10
`last_payout`	2023-02-02 09:29:51
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	7.454 HBD
`curator_payout_value`	7.420 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	3,275
`author_reputation`	1,351,798,505,733,843
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,208,028
`net_rshares`	28,250,591,272,732
`author_curate_reward`	""

properties (23)vote details (170)

voter	rshares	pct
steemychicken1	1,337,568,530,317	56%
gerber	4,872,767,822	4%
good-karma	66,122,327,236	6.31%
daan	50,913,429,326	8%
ezzy	336,300,844	4%
arcange	949,475,455,513	5%
lichtblick	217,295,536,942	100%
exyle	20,784,692,183	4%
magicmonk	2,093,635,237,326	50%
netaterra	15,342,497,928	0.6%
someguy123	19,322,988,837	2%
mangos	1,714,025,956,613	32%
funnel	4,338,047,876	8%
esteemapp	15,886,412,888	6.31%
steemitboard	48,985,873,914	5%
privex	9,411,842,689	8%
sudutpandang	1,269,988,641	100%
lizanomadsoul	2,567,488,344	3%
vbnm21	641,239,518	35%
clixmoney	541,518,081,363	100%
drwom	1,251,522,959	3.15%
bitcoinflood	521,152,527,246	22.7%
joeyarnoldvn	564,777,942	1.68%
benedict08	13,458,214,277	50%
eturnerx	20,615,010,043	1.1%
dante31	1,681,450,208	55%
sanjeevm	3,710,813,169,024	100%
chetanpadliya	98,602,121,267	100%
nainaztengra	1,134,602,724,127	100%
munawar1235	3,681,595,512	100%
felander	16,765,704,185	4%
yogacoach	848,244,425	4%
tomiscurious	12,416,860,989	2.4%
futurethinker	1,396,662,561	100%
podanrj	1,202,557,270	55%
fatman	8,495,810,760	2%
votehero	21,217,773,256	4.8%
esteem.app	1,865,530,589	6.31%
tobetada	19,712,336,179	10%
minnowspower	612,462,147	80.7%
auleo	537,874,859	1.26%
dudeontheweb	2,715,336,440	3.2%
iamjadeline	7,734,535,161	43%
osarueseosato	702,462,451	100%
shaidon	6,275,548,437	8%
cherryng	705,859,706	1.26%
unconditionalove	492,825,531	2%
moeenali	733,548,935,084	100%
sweetkathy	2,328,607,014	100%
fireguardian	515,782,459	4%
bozz	98,466,967,178	10%
promo-mentors	690,638,565	100%
dwayne16	1,488,193,083,532	100%
asimo	6,366,116,251	80.7%
bestboom	808,772,461	4%
onepercentbetter	68,576,262,326	50%
sd974201	1,393,557,959	3%
achimmertens	1,098,429,013	2.5%
we-are	2,917,573,742	14.2%
meanbees	492,512,389	0.4%
stefansv	1,863,267,526	15%
slobberchops	1,797,270,052,585	40%
nateaguila	236,777,343,610	8%
thefoundation	5,377,620,462	11.8%
deepu7	587,376,663,061	100%
decepticons	859,100,749	30%
we-are-lucky	6,451,004,212	17.4%
carl05	586,123,674	4%
rufruf	768,579,026	100%
pardinus	23,374,266,453	10%
chrislyr	4,706,969,321	100%
marivic10	1,314,989,651	2.5%
crypt-skip	128,989,495,447	100%
smartvote	50,315,133,431	2.29%
dlike	9,178,002,786	4%
voter000	12,896,601,906	30.2%
alokkumar121	775,521,474,717	100%
dosh	895,762,806	8%
priyanarc	53,049,843,262	50%
sanjeev021	10,051,117,220	4%
florino	829,721,500	15%
marianaemilia	67,570,891,104	8%
cwow2	7,131,909,138	3%
shainemata	8,619,703,401	5%
geekoverdose	891,054,757	50%
kryptodenno	1,099,281,186,259	35%
russia-btc	500,025,900,916	49.5%
jaster	481,053,174,661	100%
claudio83	1,205,427,265,928	100%
photographercr	2,850,595,399	1.26%
solairitas	205,770,243,877	50%
bastter	834,187,366	8%
plankton.token	1,399,033,852	30%
tggr	7,093,598,174	15%
triplea.bot	660,756,361	4%
steem.leo	2,771,518,009	4%
onealfa.leo	55,564,153,804	10%
bala-leo	42,484,743	30%
votebetting	23,449,632,941	100%
ali-h	9,740,682,194	80.7%
trendovoter	3,538,023,732	80.7%
beta500	4,316,182,797	4%
korver	10,066,454,734	30%
trendobounty	13,861,302	80.7%
therealyme	35,900,352,776	0.6%
ribary	1,386,644,438	2%
gloriaolar	2,616,232,368	3%
mice-k	174,154,821	4%
solairibot	37,032,734,987	50%
ukulima	68,465,084,468	5%
fengchao	72,150,863,462	5%
hivebuzz	15,671,774,404	3%
luckyali	1,896,974,207	50%
dcityrewards	42,745,665,138	4%
ecency	3,054,143,745,984	6.31%
hiveupme	1,510,179,119,864	80.7%
hivecurator	262,957,329	80.7%
notak	419,055,856,218	70.41%
hivebuilder	9,535,967,958	100%
coretoken	357,070,937	80.7%
ecency.stats	2,294,567,652	6.31%
vaulttoken	1,561,993,029	80.7%
sylmarill	7,348,412,134	100%
nickelbunker	24,114,496,340	80.7%
clifth	677,611,920	50%
rima11	136,498,433,646	5%
wine-token	1,683,071,546	80.7%
gungunkrishu.leo	3,036,425,239	100%
thesimguru	0	80.7%
tan.stake	640,500,773	80.7%
wine.bot	5,232,147,309	80.7%
dcrops	29,895,838,074	2%
carlosro	2,653,186,907	8%
brucolac	587,426,807	4.8%
ctpx	0	20%
xrayman	1,586,431,144	4%
eturnerx-honey	5,471,091,722	15.5%
giemo	690,810,575	8%
wine-ico	263,346,927	80.7%
core.voter	163,474,350	80.7%
horstman5	606,913,903	25%
eforucom.leo	0	50%
aswita	14,747,061,761	39.4%
juecoree.stem	636,915,345	100%
rqr4	6,191,437,901	85%
vault.burn	4,178,661,411	80.7%
theguru.photos	14,559,374,813	80.7%
notak1	5,162,387,695	70.41%
hyun-soo	675,111,632	3.15%
hkinuvaime	777,374,225	4%
scrubs24	2,078,565,880	6%
fairyberry	914,186,040	3.15%
kavii	116,284,912	80.7%
elfino28	734,795,106	5.6%
dagger88	8,921,200,078	75%
noctury	2,166,379,830	17.5%
listnerds	90,848,966,330	20%
india-leo	1,290,867,536	30%
eijibr	755,682,854	4.8%
islandboi	2,517,537,727	100%
jagmeet12	609,578,271	4%
genepoolchlrn8r	900,485,301	4%
prosocialise	5,711,537,766	4%
dragonmk47	4,314,253,599	4%
genepoolcardlord	4,445,922,983	4%
genepoolrentsclr	2,044,607,711	4%
nazrul70	10,176,099,237	100%
cute-cactus	28,235,667,976	100%
buffalo.leo	0	50%
skiptvads	3,899,888,958	20%

@dwayne16 · Jan 26 '23

RE: Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan...

Same here, mine was 10k but I use everything to buy hive instead which is not bad as at this time. You will build it in no time

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@dwayne16/re-gungunkrishu-2t5hpn)

👎 spaminator

`author`	dwayne16
`permlink`	re-gungunkrishu-2t5hpn
`category`	hive-167922
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["leofinance"],"canonical_url":"https://leofinance.io/@dwayne16/re-gungunkrishu-2t5hpn"}
`created`	2023-01-26 10:32:51
`last_update`	2023-01-26 10:32:51
`depth`	1
`children`	0
`last_payout`	2023-02-02 10:32:51
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	226
`author_reputation`	720,697,433,367,260
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,208,962
`net_rshares`	-6,980,484,234
`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
spaminator	0 B		-6,980,484,234	-0.25%

@ecency · Jan 26 '23

**Yay!** 🤗<br>Your content has been **boosted with Ecency Points**, by @gungunkrishu. <br>Use Ecency daily to boost your growth on platform! <br><br><b>Support Ecency</b><br>[Vote for new Proposal](https://hivesigner.com/sign/update-proposal-votes?proposal_ids=%5B245%5D&approve=true)<br>[Delegate HP and earn more](https://ecency.com/hive-125125/@ecency/daily-100-curation-rewards)

properties (22)

`author`	ecency
`permlink`	re-2023126t17210884z
`category`	hive-167922
`json_metadata`	{"tags":["ecency"],"app":"ecency/3.0.20-welcome","format":"markdown+html"}
`created`	2023-01-26 17:21:00
`last_update`	2023-01-26 17:21:00
`depth`	1
`children`	0
`last_payout`	2023-02-02 17:21:00
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	382
`author_reputation`	630,689,395,572,402
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,217,237
`net_rshares`	0

@hiveupme · Jan 26 '23

<center>
<sup>Congratulations, @gungunkrishu Your Post Got <b>80.7%</b> Boost.</sup>
<sup>@gungunkrishu Burnt <b>40</b> <b>UPME</b> & We Followed That Lead.</sup>

<img src="https://files.peakd.com/file/peakd-hive/hiveupme/M3wgTwQC-hiveupme.png" alt="upme.link">
---
<sup>Contact Us : [CORE / VAULT Token Discord Channel](https://discord.gg/XYMrvyr)</sup>
</center>

properties (22)

`author`	hiveupme
`permlink`	20230126t183546325z
`category`	hive-167922
`json_metadata`	{"tags":["curation","delegation","hiveupme"],"app":"curation-bot/4.0","format":"markdown"}
`created`	2023-01-26 18:35:45
`last_update`	2023-01-26 18:35:45
`depth`	1
`children`	0
`last_payout`	2023-02-02 18:35:45
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	372
`author_reputation`	6,010,552,098,649
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,218,712
`net_rshares`	0

@india-leo · Jan 26 '23

Indiaunited Curation 1674736240201

This post has been manually curated by @bhattg from Indiaunited community. Join us on our [Discord Server](https://discord.gg/bGmS2tE). 

Do you know that you can earn a passive income by delegating your Leo power to @india-leo account? We share 100 % of the curation rewards with the delegators. 

<sub>**100% of the rewards from this comment goes to the curator for their manual curation efforts. Please encourage the curator @bhattg by upvoting this comment and support the community by voting the posts made by @indiaunited.**</sub>

properties (22)

@islandboi · Jan 26 '23

$0.04

Now I regret withdrawing my HBD savings too.  I withdrew it to power up though. 

I've been trying to create a savings strategy but I have 2 problems.

1. I dont know how to do a projection. For example if I invested 100 bucks a month for 25 years in hbd savings and started with 1000 bucks how much would it yield me at the end? This is assuming the APR is constant.

2. The second problem is access to crypto.
Banks in my country restrict access to exchanges. 

I'd like some help with my first problem of how to make a projection please.

👍 notak, onealfa.leo, onealfa, nikoleondas, onealfa.vyb

`author`	islandboi
`permlink`	re-gungunkrishu-2023126t7461286z
`category`	hive-167922
`json_metadata`	{"tags":["hive-167922","hbd","hive","hbdsavings","hodl","build","ctp","archon","posh","leofinance"],"app":"ecency/3.0.37-mobile","format":"markdown+html"}
`created`	2023-01-26 11:46:12
`last_update`	2023-01-26 11:46:12
`depth`	1
`children`	2
`last_payout`	2023-02-02 11:46:12
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.020 HBD
`curator_payout_value`	0.019 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	541
`author_reputation`	7,969,549,249,247
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,210,086
`net_rshares`	77,390,306,390
`author_curate_reward`	""

properties (23)vote details (5)

voter	rshares	pct
onealfa	5,422,119,635	1.32%
nikoleondas	795,587,888	2.4%
onealfa.leo	11,034,962,976	2%
notak	60,137,635,891	10.1%
onealfa.vyb	0	3%

@notak · Jan 27 '23

There is an annuity formula which is a geometric sum to help work this out.

The formula is as follows

FV = A * ([1+i]^n-1)/i

where;
FV = future Value
i = the interest rate
n = the number of periods
A = the payment amount each time

In your case the interest is claimable every month, so I would use
n= number of months
i = 0.2/12 (i.e. the monthly interest rate)

an example, if you pay $10 per month at an interest rate of 20% p.a. for 5 years.

n = 60 (5*12)
A = 10
i = 0.016666

plug this into the formula and you get

FV = 10*((1.0166)^60 -1)/0.0166
FV = 1017

which means $10 a month for 5 years you end up with $1017. but dont forget the purchasing power of the dollar will be weaker then because of inflation.

in your example

n = 300
i = 0.01666
A = 100

and we start with $1000

so future value = 100*((1.016)^300-1)/0.0166 + 1000*(1.0166)^300  [ the last part is to allow for the starting balance]

Future value = $990,050 (almost $1m) 

This shows the power of compounding!

👍 islandboi

`author`	notak
`permlink`	re-islandboi-2023127t205946242z
`category`	hive-167922
`json_metadata`	{"tags":["hive-167922","hbd","hive","hbdsavings","hodl","build","ctp","archon","posh","leofinance"],"app":"ecency/3.0.30-vision","format":"markdown+html"}
`created`	2023-01-27 09:59:48
`last_update`	2023-01-27 09:59:48
`depth`	2
`children`	1
`last_payout`	2023-02-03 09:59:48
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	991
`author_reputation`	138,836,657,829,495
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,234,928
`net_rshares`	3,909,528,203
`author_curate_reward`	""

properties (23)vote details (1)

voter	weight	wgt%	rshares	pct	time
islandboi	0 B		3,909,528,203	100%

@islandboi · Jan 29 '23

Thanks a lot for the explanation.
So the interest is compounded monthly which is great!

properties (22)

`author`	islandboi
`permlink`	re-notak-rp85o0
`category`	hive-167922
`json_metadata`	{"tags":["hive-167922"],"app":"peakd/2023.1.1"}
`created`	2023-01-29 02:02:24
`last_update`	2023-01-29 02:02:24
`depth`	3
`children`	0
`last_payout`	2023-02-05 02:02:24
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	87
`author_reputation`	7,969,549,249,247
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,281,451
`net_rshares`	0

@leprechaun · Jan 27 '23

It seems your plan went sideways.  It is 2023 and you haven't got to your planned $3,550 HBD in savings.  Things happen and money needs to be spent or have you lost so much confidence in the dollar,  you no longer think owning HBD and getting interest in it is a good idea?

properties (22)

`author`	leprechaun
`permlink`	re-gungunkrishu-lessons-learned-the-hard-way-and-now-building-again-my-usdhbd-savings-again-ground-up-with-a-solid-plan-20230127t173805733z
`category`	hive-167922
`json_metadata`	{"format":"markdown","App":"Steemfiles"}
`created`	2023-01-27 17:38:12
`last_update`	2023-01-27 17:38:12
`depth`	1
`children`	0
`last_payout`	2023-02-03 17:38:12
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	273
`author_reputation`	43,062,883,043,443
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,244,773
`net_rshares`	0

@onealfa.leo · Jan 26 '23

RE: Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan...

Get rich quick? 
Nothing new...

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@onealfa.leo/re-gungunkrishu-7gsllm)

properties (22)

`author`	onealfa.leo
`permlink`	re-gungunkrishu-7gsllm
`category`	hive-167922
`json_metadata`	{"app":"leofinance/0.2","format":"markdown","tags":["leofinance"],"canonical_url":"https://leofinance.io/@onealfa.leo/re-gungunkrishu-7gsllm"}
`created`	2023-01-26 13:45:06
`last_update`	2023-01-26 13:45:06
`depth`	1
`children`	0
`last_payout`	2023-02-02 13:45:06
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	133
`author_reputation`	10,109,374,089,164
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,212,434
`net_rshares`	0

@p1k4ppa10 · Jan 26 '23

I think it's good to have a savings plan in HBD to take advantage of the 20% it gives us; in the same way it is good to plan a growth in HP which gives 3% and also increases our weight in the Hive ecosystem.

For the rest, investing in some games or second-level Tokens as collateral can help.

What we accumulate is always good to keep where it is, after all it is rented out so it is certainly not stationary and 20% is not from any existing bank in the world... therefore, not too bad I would say!

👍 onealfa.leo, onealfa, nikoleondas, onealfa.vyb

`author`	p1k4ppa10
`permlink`	re-gungunkrishu-2023126t13244326z
`category`	hive-167922
`json_metadata`	{"tags":["hbd","hive","hbdsavings","hodl","build","ctp","archon","posh","leofinance"],"app":"ecency/3.0.30-vision","format":"markdown+html"}
`created`	2023-01-26 12:24:03
`last_update`	2023-01-26 12:24:03
`depth`	1
`children`	0
`last_payout`	2023-02-02 12:24:03
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	0.000 HBD
`curator_payout_value`	0.000 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	500
`author_reputation`	263,629,612,464,792
`root_title`	"Lessons Learned The Hard Way & Now Building Again my $HBD Savings - Ground Up with a Solid Plan..."
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	120,210,702
`net_rshares`	17,258,716,554
`author_curate_reward`	""

properties (23)vote details (4)

voter	rshares	pct
onealfa	5,423,433,551	1.32%
nikoleondas	795,979,496	2.4%
onealfa.leo	11,039,303,507	2%
onealfa.vyb	0	3%